Terms of Service

1.1 These Terms govern the rights and obligations of the Operator and the user (or visitor) when using the snapio.sk website, its subpages, the user application at moje.snapio.sk and the API at api.snapio.sk.

1.2 Matters not explicitly regulated by these Terms are governed by the laws of the Slovak Republic — in particular Act No. 40/1964 Coll. (Civil Code) and Act No. 513/1991 Coll. (Commercial Code). If the user is a consumer, Act No. 250/2007 Coll. on consumer protection and Act No. 102/2014 Coll. on consumer protection in distance contracts apply primarily.

1.3 The user accepts these Terms by completing registration, paying for the service or actively using it. Acceptance includes confirmation that the user has read the Privacy Policy.

2.1 Operator: OceanWeb Technologies s. r. o., as identified in the preamble.

2.2 Service (or “Snapio”): the internet service Snapio provided by the Operator via the website and the moje.snapio.sk application. It includes in particular:

• issuing and managing invoices, proformas, credit notes, orders, quotes and delivery notes;
• expense tracking and OCR-based scanning via Snapio AI;
• receiving documents via a unique email address in the form faktury+xxxxxxxx@snapio.sk;
• contact management (customers and vendors) with lookup against the Slovak Commercial Register (RPO);
• bank statement reconciliation with invoices and expenses;
• exports to accounting software (Pohoda, Money S3, Omega, Alfa, MRP, Oberon, Tangram, Profit365, ISDOC, CSV);
• cloud storage for documents;
• automatic generation of PayBySquare QR codes on invoices;
• additional features described on snapio.sk/en/features and snapio.sk/en/pricing.

2.3 User: a self-employed person or a legal entity who has registered for the service and accepted these Terms.

2.4 Visitor: any person browsing the website without registering.

2.5 User account: a protected environment in the service that the user accesses after login and in which they manage their data, documents and settings.

2.6 User content: all data the user creates or uploads into the account (invoices, expenses, contacts, scanned documents, emails received at the inbox address etc.).

2.7 Consumer: a natural person who is not acting for purposes of their business or profession when entering into and performing the contract.

3.1 Visitors may browse the website for personal, informational or internal business purposes related to interest in the service.

3.2 Visitors may not:

• copy or reproduce the website content beyond ordinary browsing;
• interfere with the technical operation of the website or circumvent security mechanisms;
• use automated tools (robots, crawlers, scraping) to bulk-download content without the Operator’s prior written consent.

3.3 Website content — including text, graphics, photos, the “Snapio” mark, logo and source code — is protected by copyright and other intellectual property rights of the Operator or third parties.

4.1 Registration consists of completing the registration form on the website, accepting these Terms and confirming the user’s email address.

4.2 The user must provide correct, complete and current data. If the data changes, the user must update it in the account without undue delay.

4.3 The user is responsible for the security of their credentials and for all actions performed with them. Enabling two-factor authentication, when available, is strongly recommended.

4.4 The user may not share credentials with a third party. For shared access (e.g. an accountant or colleague) the Pro plan’s team users functionality is available.

4.5 Each natural or legal person may create a single user account. The Operator may remove duplicate accounts created under the same Company ID (IČO) where there is manifest attempt to bypass Free-plan limits.

4.6 The Operator may refuse registration or terminate an existing account if it reasonably suspects false data or unlawful use of the service. Except in cases of gross breach, the Operator will first invite the user to remedy the issue within a reasonable period.

5.1 The service is provided in two plans:

• Free plan — free of charge, with a monthly limit of 10 issued invoices, 10 scans, one company and no premium features (bank pairing, team, cloud storage, accounting exports);
• Pro plan — billed according to the current price list on snapio.sk/en/pricing, with unlimited invoices, 100 scans per month included (each additional scan is charged at the current overage rate, currently €0.10 per scan), unlimited companies, a team of up to 10 users, bank pairing, recurring invoices, 512 MB cloud storage and exports to accounting software.

5.2 The current price list and plan scope is published on the website. The Operator reserves the right to change the price list and plan scope in accordance with Article 19.

5.3 The Operator uses reasonable efforts to keep the service available 24/7. Target monthly availability is 99.5 %, excluding planned maintenance announced at least 24 hours in advance and outages caused by force majeure or events outside the Operator’s control (Article 14).

What the service is not

5.4 Snapio does not replace, and is not provided as:

• a tax or accounting advisory service under Act No. 78/1992 Coll.;
• a document archiving service under Act No. 395/2002 Coll. on archives and registries — the user remains solely responsible for preserving accounting and tax documents in the form and retention period required by law (in particular § 35 of Act No. 431/2002 Coll. on accounting);
• a banking, payment or other regulated financial service — payments between the user and their customers occur outside the service;
• a notarial, legal or comparable professional service.

5.5 The purpose of the service is to streamline the user’s administrative and financial workflow. Responsibility for the accuracy and legal compliance of any data entered or produced in the service, and for its use toward third parties (customers, tax office, accountant), lies solely with the user.

6.1 Use of the Free plan is free of charge. The Operator reserves the right to unilaterally discontinue the Free plan or change its scope; users will be notified at least 30 days in advance.

6.2 The Pro plan is billed monthly or yearly, based on user choice. Prices are stated in EUR including VAT. Payment is due in advance for the next billing cycle.

6.3 Payments are processed via the Stripe payment gateway (Stripe Payments Europe, Limited, Ireland). The user authorises automatic recurring billing unless they cancel in the user account.

6.4 For each received payment, the Operator issues an invoice available in the user account and sent to the registered email address.

6.5 The contract is concluded for a fixed term matching the chosen billing cycle (1 month or 1 year) and automatically renews for the same period unless the user cancels in the account at least 24 hours before the next cycle. As a matter of good practice the Operator sends a renewal reminder in reasonable time before auto-renewal.

6.6 Exceeding the monthly 100-scan limit on the Pro plan is charged at €0.10 per additional scan, added to the next monthly invoice.

6.7 The Operator may change prices. Users are notified at least 30 days in advance by email or in the account. If the user disagrees with the new price, they may terminate the subscription effective on the day the new price takes effect; until that day the original price applies.

6.8 Bank and payment processing fees related to the user’s payments are borne by the user.

7.1 The Operator will provide the service in the scope and quality set out in these Terms and the current service description.

7.2 The Operator performs regular backups. Data is stored in a certified EU data centre in Vienna, Austria.

7.3 The Operator may perform planned maintenance; planned downtime is announced at least 24 hours in advance.

7.4 The Operator may temporarily restrict or suspend a user who seriously breaches these Terms, exceeds fair-use limits (FUP) or endangers the security of the service. For non-gross breaches the Operator will first call on the user to remedy with a minimum 14-day cure period.

7.5 The Operator will notify users of facts affecting the provision of the service via email to the registered address without undue delay.

8.1 The user must use the service in accordance with these Terms, applicable law and good faith.

8.2 The user may not in particular:

• interfere with service operation, bypass security or attempt unauthorised access to other users’ accounts;
• upload content that infringes third-party rights (copyright, confidential information, personal data without a legal basis);
• use the service for unlawful activities (money laundering, tax evasion, fictitious invoicing);
• issue invoices in the name of a third party without written authorisation;
• abuse the inbox address faktury+xxxxxxxx@snapio.sk for any purpose other than sending documents related to their business;
• use automated tools to query the API beyond the FUP (1,000 calls per day, 30,000 calls per month); higher limits may be agreed individually;
• sell, rent or otherwise make service access available to third parties beyond team users within a single account.

8.3 The user has the right to:

• use the service in the full scope of the purchased plan;
• export account content at any time in supported formats (PDF, CSV, XML, ISDOC and others);
• cancel the subscription from the user account at any time;
• request deletion of the account at any time (see Article 11).

9.1 Snapio AI automatically processes images and PDFs uploaded by the user or received at the inbox address, extracts data (vendor, amounts, dates, VAT, company IDs, payment references and related fields) and creates a draft expense in the account.

9.2 OCR processing is automated. Despite the Operator’s effort toward maximum accuracy, errors may occur (misread characters, imprecise vendor matching, incorrect amounts). Before any legal or tax action based on Snapio output, the user must check the output.

9.3 The Operator makes no warranty as to recognition accuracy and is not liable for consequences of misrecognised data where the user failed to review the output.

9.4 Uploaded documents are processed and stored on EU servers (Austria). The Operator may use aggregate anonymised statistics to improve recognition quality; individual documents are not used for model training without the user’s explicit consent.

10.1 Each company in the account is assigned a unique email address in the form faktury+xxxxxxxx@snapio.sk (the “inbox address”). Attachments and message content received at this address are automatically processed and added as draft expenses in the user account.

10.2 The inbox address is intended solely for delivery of documents related to the user’s business. The user must not publish the address in ways that invite spam.

10.3 The Operator may refuse to process emails containing malicious code, unsupported attachment formats, or manifest spam.

11.1 User content is stored in EU cloud storage (Austria) for the duration of the active contractual relationship.

11.2 After termination (subscription cancelled or account removed):

• the user content remains in read-only mode for 14 days (“grace period”), during which the user may export their data;
• after the grace period ends, the user content is irrevocably deleted, except for data the Operator is required to retain by law (in particular accounting records under § 35 Act No. 431/2002 Coll., typically 10 years).

11.3 The user acknowledges that archiving accounting documents under Act No. 395/2002 Coll. is their independent responsibility. The Operator does not perform this duty on behalf of the user.

11.4 The user may request immediate deletion of the account and content at any time via the account functionality or by email to info@snapio.sk.

12.1 Snapio, the website, source code, graphics, the “Snapio” mark, logo and related trademarks are intellectual property of the Operator. The user is granted a non-exclusive, non-transferable, revocable licence to use the service for its ordinary functionality for the duration of the contract.

12.2 User content remains the property of the user. The Operator is granted a limited licence solely to process, back up and display user content within the service.

13.1 The Operator is liable for damage caused by intent or gross negligence in breaching these Terms, to the extent set out by the Commercial Code or Civil Code as applicable.

13.2 The Operator’s total liability for any and all events during any rolling twelve-month period is capped at the amounts the user paid to the Operator for the service in the twelve months preceding the event giving rise to the liability, unless mandatory law provides otherwise. This cap does not apply to consumers to the extent it would be unenforceable under law.

13.3 The Operator is not liable for:

• lost profits, indirect or consequential damages (except as required by mandatory law);
• damage caused by third parties (e.g. payment gateway, sender’s email server, ISPs);
• consequences of the user’s internet or device outages;
• data loss caused by the user (wrongful deletion, shared passwords, no local backup of exports);
• the correctness of Snapio AI output if the user failed to review it (Article 9.2).

14.1 The Operator is not liable for failure to perform caused by events beyond its reasonable control, including natural disasters, war, terrorism, widespread internet outages, failures of subcontractors (hosting, electricity, telecoms), pandemics, regulatory changes preventing continuity of the service, or similar events.

14.2 The Operator will notify users of such events and their expected duration without undue delay.

15.1 Data protection is governed by the separate Privacy Policy available at snapio.sk/en/legal/privacy.

15.2 By accepting these Terms the user confirms that they have read the Privacy Policy.

16.1 If the user is a consumer under § 2 (a) of Act No. 250/2007 Coll., they have the right under § 7 of Act No. 102/2014 Coll. to withdraw from the contract without giving a reason within 14 days of its conclusion.

16.2 The consumer acknowledges that if they expressly requested the service to start before the withdrawal period expires and the service has been fully performed within that period, the right to withdraw is lost under § 7 (6)(a) of Act No. 102/2014 Coll.

16.3 If the consumer withdraws in line with 16.1 and the service has been partly performed, they owe the Operator only a proportional part of the price corresponding to the services actually delivered.

16.4 Notice of withdrawal may be sent by email to info@snapio.sk or in writing to the Operator’s registered office. A sample form is available on request.

16.5 Complaints may be filed by email to info@snapio.sk or in writing to the registered office. They will be handled without undue delay, at the latest within 30 days of receipt.

16.6 Supervising authority: Slovak Trade Inspection (Slovenská obchodná inšpekcia), Inspectorate for the Košice Region, Vrátna 3, 043 79 Košice 1.

17.1 The parties will seek to resolve disputes amicably in the first instance.

17.2 Consumers may turn to the Slovak Trade Inspection (www.soi.sk) or another body listed by the Ministry of Economy (www.mhsr.sk) for alternative dispute resolution.

17.3 The EU online dispute resolution platform is available at https://ec.europa.eu/consumers/odr.

17.4 Disputes not resolved out of court will be decided by the competent general court of the Slovak Republic.

18.1 User-initiated termination: the user may cancel the subscription at any time from the account. Cancellation takes effect at the end of the current billing cycle for which payment has been made; full access continues until that date.

18.2 Account deletion: the user may request immediate account deletion. The Operator will then irreversibly remove user content (except data the Operator must retain by law).

18.3 Operator-initiated termination with immediate effect is possible if:

• the user seriously breaches these Terms and does not remedy within 14 days of notice;
• the user is more than 30 days in arrears;
• the service has been used for unlawful purposes;
• the user provided false registration data and failed to correct it on request.

18.4 In other cases the Operator may terminate with 30 days’ notice. The Operator will refund the pro-rata unused portion of pre-paid fees.

19.1 The Operator may amend these Terms for legal, scope-of-service, technological or other objective reasons.

19.2 The Operator will notify users of amendments at least 30 days before they take effect, by email or in the user account.

19.3 If the user disagrees, they may terminate the contract before the change takes effect. The original Terms remain in force until then. If the user continues to use the service after the effective date of the amended Terms, they are deemed to have accepted them.

19.4 The following changes do not require 30-day prior notice: correction of obvious typos, changes in Operator contact details, and additions exclusively favourable to the user.

20.1 If any provision is or becomes invalid, the remaining provisions remain in force. Invalid provisions are replaced by provisions closest in meaning to the original.

20.2 These Terms are published in Slovak and English. In case of conflict, the Slovak version prevails.

20.3 These Terms become valid and effective on the date stated above and are published on snapio.sk/en/legal/terms.

20.4 Operator contact: OceanWeb Technologies s. r. o., Jána Hollého 738/99, 071 01 Michalovce, Slovak Republic, email: info@snapio.sk.